First, you can file bankruptcy chapter 13 (maybe 7) this gives you court ordered payments and restructures the debt, even the IRS. Stays with you forever (10 years) but your credit is shoot anyway why not get the protection you need. Many people look down on bankruptcy, but you aren't avoiding the debt, just reorganizing it.

Secondly, you could go to the IRS and ask them to garnish your wages. Sounds stupid but total gaarnishments can only take 15% of after tax $$.If the cards get there first, they will get 15% and you still have to pay the IRS out of the remaining 85%.

Thirdly, if you have a friend or relative who is an attorney, have them write a letter on their firms letterhead stating your financial delema and that you are examining ALL possibilities and that their assistance in resolving this matter is greatly appreciated. Their assistance by not contacting you at work or after 8:30 p.m. nor before 8:00 a.m.(adjust times to your work and sleep schedule)

Lastly, since these are credit cards you could go to a not for profit credit counselling service and ask for help.

These may seem unorthodox but will help you remain calm and less stressed. I am 33 y.o. and have been in debt since I was 18 (student loans suck) I have come to the conclusion that no one (person or company) is worth losing a night sleep over, getting an ulcer, nor are they worth added aggrevation during the day.

Live a long happy life, and don't let it get you down.Do what you can, you can't do anymore.

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